Dodge Journey Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Dodge Journey insurance

The average auto insurance rates for a Dodge Journey are $1,336 annually including full coverage. Comprehensive costs an estimated $274, collision costs $474, and liability is estimated at $430. Liability-only insurance costs approximately $486 a year, with high-risk driver insurance costing around $2,888. Teens cost the most to insure at $5,048 a year or more.

Average premium for full coverage: $1,336

Policy rates broken down by type of insurance:

Comprehensive $274
Collision $474
Liability $430

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Journey models.

Price Range Variability

For the normal driver, Dodge Journey insurance rates go from as cheap as $486 for a discount liability-only rate to the much higher price of $2,888 for coverage for higher-risk drivers.

Liability Only $486
Full Coverage $1,336
High Risk $2,888

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects insurance prices.

Rural Areas $1,002
Small Cities $1,403
Large Cities $1,804

The examples above highlight why everyone should get quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below breaks down estimated Dodge Journey insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $775
  • Choosing higher $1,000 deductibles can save approximately $170 every year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,336
  • Selecting pricier low deductibles for comp and collision coverage will cost $1,666
  • Unlucky drivers with serious driving violations could pay up to $2,888 or more
  • Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,048 each year

View Chart as Image

Dodge Journey insurance cost comparison chart
Column chart showing full coverage Dodge Journey insurance rates range from $775 to $5,048

Auto insurance rates for a Dodge Journey also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,600 to $2,200 in extra premium every year, depending on your age. Dodge Journey insurance for high-risk drivers ranges as much as 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $500 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,910 on average in Louisiana, New York, and Michigan.

Dodge Journey Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,208 -$128 -9.6%
Alaska $1,026 -$310 -23.2%
Arizona $1,110 -$226 -16.9%
Arkansas $1,336 -$0 0.0%
California $1,522 $186 13.9%
Colorado $1,276 -$60 -4.5%
Connecticut $1,374 $38 2.8%
Delaware $1,512 $176 13.2%
Florida $1,670 $334 25.0%
Georgia $1,234 -$102 -7.6%
Hawaii $958 -$378 -28.3%
Idaho $904 -$432 -32.3%
Illinois $996 -$340 -25.4%
Indiana $1,006 -$330 -24.7%
Iowa $902 -$434 -32.5%
Kansas $1,270 -$66 -4.9%
Kentucky $1,822 $486 36.4%
Louisiana $1,978 $642 48.1%
Maine $824 -$512 -38.3%
Maryland $1,102 -$234 -17.5%
Massachusetts $1,070 -$266 -19.9%
Michigan $2,322 $986 73.8%
Minnesota $1,118 -$218 -16.3%
Mississippi $1,600 $264 19.8%
Missouri $1,186 -$150 -11.2%
Montana $1,436 $100 7.5%
Nebraska $1,054 -$282 -21.1%
Nevada $1,600 $264 19.8%
New Hampshire $964 -$372 -27.8%
New Jersey $1,494 $158 11.8%
New Mexico $1,182 -$154 -11.5%
New York $1,406 $70 5.2%
North Carolina $770 -$566 -42.4%
North Dakota $1,094 -$242 -18.1%
Ohio $924 -$412 -30.8%
Oklahoma $1,372 $36 2.7%
Oregon $1,224 -$112 -8.4%
Pennsylvania $1,276 -$60 -4.5%
Rhode Island $1,782 $446 33.4%
South Carolina $1,210 -$126 -9.4%
South Dakota $1,128 -$208 -15.6%
Tennessee $1,170 -$166 -12.4%
Texas $1,610 $274 20.5%
Utah $988 -$348 -26.0%
Vermont $916 -$420 -31.4%
Virginia $800 -$536 -40.1%
Washington $1,034 -$302 -22.6%
West Virginia $1,224 -$112 -8.4%
Wisconsin $926 -$410 -30.7%
Wyoming $1,190 -$146 -10.9%

View Chart as Image

Dodge Journey insurance rates by U.S. city

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Dodge Journey Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Journey SE 2WD $1,218 $102
Dodge Journey SXT 2WD $1,256 $105
Dodge Journey R/T 2WD $1,336 $111
Dodge Journey SXT Crew 2WD $1,336 $111
Dodge Journey SXT AWD $1,336 $111
Dodge Journey R/T AWD $1,376 $115
Dodge Journey SXT Crew AWD $1,376 $115

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Dodge Journey Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Dodge Journey $274 $474 $430 $1,336
2018 Dodge Journey $250 $424 $452 $1,284
2017 Dodge Journey $240 $400 $456 $1,254
2014 Dodge Journey $206 $310 $464 $1,138
2013 Dodge Journey $202 $288 $474 $1,122
2012 Dodge Journey $186 $268 $474 $1,086
2011 Dodge Journey $182 $244 $478 $1,062
2010 Dodge Journey $170 $222 $474 $1,024
2009 Dodge Journey $160 $202 $474 $994

Rates are averaged for all Dodge Journey models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Cheap Dodge Journey Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a quick review of the primary concepts that were presented in the illustrations above.

  • You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
  • Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,550 more annually than a low-risk driver
  • Increasing comprehensive and collision deductibles could save up to $500 each year
  • Youthful drivers are the costliest to insure, with premiums being up to $421 each month if full coverage is included

Rates by Driver Age

Dodge Journey Insurance Rates by Driver Age
Driver Age Premium
16 $5,048
20 $3,078
30 $1,388
40 $1,336
50 $1,222
60 $1,198

Full coverage, $500 deductibles

Rates by Deductible

Dodge Journey Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,666
$250 $1,514
$500 $1,336
$1,000 $1,166

Full coverage, driver age 40

Rates by Liability Limit

Dodge Journey Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,336
50/100 $1,462
100/300 $1,570
250/500 $1,849
100 CSL $1,505
300 CSL $1,742
500 CSL $1,914

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Journey Insurance Rates for High Risk Drivers
Age Premium
16 $7,184
20 $4,900
30 $2,944
40 $2,888
50 $2,758
60 $2,732

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $59
Advance Quote $65
Online Quote $94
Total Discounts $561
Rate after discounts $775

Discounts are estimated and may not be available from every company or in every state.

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